Bates Hewett & Floyd

Protecting What Matters

We are an Independent Insurance & Risk Management Agency.

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Personal & Business Insurance

It’s good to have options! Call us at (386) 328-1100

Serving residents and businesses throughout North Florida and Georgia

and throughout the Southeast United States

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Convenient Locations

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Personal Insurance

It’s good to have options! Learn more >

Health Insurance

Take care of those closest to you. Learn more >

Business Insurance

Help protect your business and your employees.

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Financial Services

Attuned to your unique financial goals and tailored to encompass all of the existing variables in your financial life. Learn more >

Not Your Average Local Agency

Bates Hewett & Floyd is not your average local agency. Our approach to insurance and risk, our longevity in our community and the way we treat our clients sets us apart.

We are an independent insurance agency working with individuals and businesses.

We are led by 2 generations proudly serving Palatka, Putnam County, St Johns County and throughout the Southeast United States for over 40 years!

The Bates Hewett & Floyd insurance team in Palatka and St. Augustine, Florida, providing personal, business, and health insurance solutions.

Offices in Palatka and St. Augustine

Small Business Insurance Requirements

Owning a small business means knowing what types of insurance you need as well as having the right amount of coverage to fully protect your investment. Small business insurance requirements will differ from company to company so it's important to know where your...

What is Inland Marine Insurance

There are certain types of property used during the course of business that doesn't fall into one simple category. Inland Marine Insurance covers a wider range of items that mainly have to do with the transportation and communication aspect of a business. While items...

Hurricane Season Preparations

Know What Is and What Is Not Covered Post-Hurricane Irma, many Florida residents found that their insurance policy limited or even excluded coverage for exposures they assumed were included in the homeowners policy. It's important to speak with your agent or insurance...